6 Tricks to Save on Mercedes-Benz B200 Turbo Insurance in Nevada

Feel like you’re a prisoner to an overpriced auto insurance policy? Trust us, there are many Nevada consumers feeling the pinch from expensive auto insurance.

You have so many insurers to buy insurance from, and although it’s a good thing to be able to choose, too many choices makes it more difficult to find a good deal.

How to Get Auto Insurance in Nevada

Effectively comparing auto insurance prices can be challenging if you don’t utilize the best way to get rate quotes. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you can utilize online quotes to get the quickest rates.

Many insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and at least one company then gives them pricing based on that data. This system prevents you from having to do quote requests to each individual auto insurance company.

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The one downside to doing it this way is you cannot specify the providers you want pricing from. So if you want to choose specific insurance companies to compare, we have a listing of low cost auto insurance companies in Nevada. Click here to view list.

It’s up to you how you get prices quotes, just make sure you use apples-to-apples deductibles and coverage limits with every price quote. If the quotes have different values for each quote it’s not possible to truly determine the lowest rate. Just a small difference in insurance coverages could mean much higher rates. It’s important to know that obtaining a wide range of quotes will enable you to find the best offered rates.

Take these six discounts and save

Insuring your vehicles can cost a lot, but you may find discounts to reduce the price significantly. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be requested specifically prior to getting the savings.

Senior Discount – Older drivers may qualify for a discount up to 10% on B200 Turbo coverage.
Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates on B200 Turbo coverage than drivers with accidents.
Good Students Pay Less – This discount can get you a discount of up to 25%. The good student discount can last until age 25.
Paperless Signup – A few companies give back up to $50 for buying a policy and signing up over the internet.
Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
Safety Course Discount – Completing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will reduce your premiums.

To choose providers with discount auto insurance rates in Nevada, click here.

But I prefer to buy car insurance from an agent

Some people just want to visit with an insurance agent and that is a personal choice. One of the great benefits of comparing rates online is that you can obtain lower rates but still work with a licensed agent. Supporting local agencies is definitely important in small towns and cities.

To help locate an agent, after submitting this quick form, your coverage information is submitted to companies who will return price quotes for your business. There is no need to drive around as quotes are delivered to the email address you provide. It’s the lowest rates and work with a local agent.

Types of insurance agents in Nevada

When finding a good Nevada insurance agent, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Agencies in Nevada can either be independent or captive.

Independent Agents

Independent agencies are not locked into one company but instead can place your coverage with many different companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency.

When comparing rates, you should always get quotes from several independent insurance agents to have the most options to choose from.

Captive Insurance Agents

Captive agents are contracted to one company such as American Family, State Farm and Allstate. Captives cannot shop your coverage around so keep that in mind. Captive agents are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.

To view a full list of Nevada agents, click here.

Deciding on a car insurance agent needs to be determined by more than just a low price. Ask your prospective agent these questions:

Are they properly licensed to sell insurance in Nevada?
Can they give you a list of client referrals?
Can glass repairs be made at your home?
Does the agent have professional designations like CIC, CPCU or AIC?
If you are a high risk driver, do they have special markets for your coverage?

After receiving reasonable responses to all your questions and an affordable coverage quote, most likely you have located a car insurance agent that will service your policy. But keep in mind you can always cancel coverage for any reason so don’t assume that you are obligated to your new company for the entire policy term.

Your coverage should be tailored to you

When it comes to buying the best auto insurance coverage, there really is not a one size fits all plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that might point out whether or not you could use an agent’s help.

Am I covered by my employer’s commercial auto policy when driving my personal car for business?
I don’t drive much so do I pay less?
Do I need medical payments coverage since I have good health insurance?
Will my rates increase for filing one claim?
Can I still get insurance after a DUI?
When should my teen driver be added to my policy?
Are my friends covered when driving my Mercedes-Benz B200 Turbo?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Additional auto insurance information is located on the website for the Nevada Division of Insurance through this link. Nevada drivers can read enforcement actions against agents and companies, file complaints about a company, and get help finding coverage.

The following articles may also be useful.

Specific coverages for a Mercedes-Benz B200 Turbo

Having a good grasp of auto insurance can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types available from auto insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law (Nevada limits are 15/30/10), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as structural damage, emergency aid, pain and suffering and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford. Nevada state minimum liability requirements are 15,000/30,000/10,000 but drivers should carry better liability coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses like dental work, chiropractic care, hospital visits and X-ray expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, hitting a deer, theft, hail damage and fire damage. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, colliding with a tree and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Shop smart and save

As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. In too many instances, an insured cut full coverage only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible for the lowest price, not the least amount of coverage.

Low-cost Mercedes-Benz B200 Turbo insurance is possible both online as well as from independent agents in Nevada, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.